I had them sue me for a CHASE CC debt, and they completely lied. Claimed that I wouldn't cooperate with a payment plan, when in reality the CHASE idiot just hung up the phone, after he told me that if I couldn't pay more than $50 a month I might as well keep my money. Next thing I know I get a summons. I was laid off from a permanent firefighter career, and teaching career thanks to our wonderful moron government who can't balance a budget. Since I am not a minority or "special" in any way, I just don't qualify for any social programs, although I have my whole life payed into them. I don't have savings, retirement gone, and I skip meals so my family can eat more. Sure glad I went to college and risked my life fighting fires! I hope all the other whiney teachers get laid off so they can have a taste...